Surprisingly, most that know they won't pass either object (red flag) or don't even apply, saving me time. 

At the time interest rates on CD's were running double digits & that was their schtick to making safe impossible to hide TAXABLE passive income.

In my experience with hundreds of Landlords and from what I've read on this forum in the past 12 years or so, the vast majority of amateur Landlords think they're saving money but they're actually losing money.You have to honestly, objectively assess your skills and your goals and see what works best for you.

That shiny object, this shiny object.... 

You sell and market it in the digital space.

Here's a basic one I put together about a decade ago:https://www.biggerpockets.com/...The BiggerPockets Flipping and Estimating books go into a lot more detail, and if you purchase them from this site (as opposed to Amazon), they come with a whole bunch of digital files and spreadsheets:http://www.biggerpockets.com/f...

Neither is wrong but depends on your objectives. 

The irony of blindly pursing objectivity in a very subjective process is lost on the ones I've met.

Even at 3% annual increase, we're looking at around double digit ROI in the long haul.

Made my profit objective.